The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$117,661
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,321
−HK$3,719/mo
Today · 4.125%
HK$125,040
baseline
▲ 0.50% · 4.625%
HK$132,648
+HK$7,608/mo
Deposit HK$25.80M · loan HK$25.80M · min. income ≈ HK$250,080/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,897
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,408
−HK$3,561/mo
Today · 4.125%
HK$137,969
baseline
▲ 0.50% · 4.625%
HK$145,241
+HK$7,272/mo
Deposit HK$25.80M · loan HK$25.80M · min. income ≈ HK$275,938/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,194
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,585
−HK$4,463/mo
Today · 4.125%
HK$150,048
baseline
▲ 0.50% · 4.625%
HK$159,178
+HK$9,130/mo
Deposit HK$20.64M · loan HK$30.96M · min. income ≈ HK$300,096/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,076
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$161,289
−HK$4,274/mo
Today · 4.125%
HK$165,563
baseline
▲ 0.50% · 4.625%
HK$174,290
+HK$8,727/mo
Deposit HK$20.64M · loan HK$30.96M · min. income ≈ HK$331,126/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,726
−HK$10,330/mo
▼ 0.25% · 3.875%
HK$169,850
−HK$5,206/mo
Today · 4.125%
HK$175,056
baseline
▲ 0.50% · 4.625%
HK$185,707
+HK$10,651/mo
Deposit HK$15.48M · loan HK$36.12M · min. income ≈ HK$350,112/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,256
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$188,171
−HK$4,985/mo
Today · 4.125%
HK$193,156
baseline
▲ 0.50% · 4.625%
HK$203,338
+HK$10,182/mo
Deposit HK$15.48M · loan HK$36.12M · min. income ≈ HK$386,312/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,790
−HK$13,281/mo
▼ 0.25% · 3.875%
HK$218,378
−HK$6,693/mo
Today · 4.125%
HK$225,071
baseline
▲ 0.50% · 4.625%
HK$238,766
+HK$13,695/mo
Deposit HK$5.16M · loan HK$46.44M · min. income ≈ HK$450,142/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,615
−HK$12,729/mo
▼ 0.25% · 3.875%
HK$241,934
−HK$6,410/mo
Today · 4.125%
HK$248,344
baseline
▲ 0.50% · 4.625%
HK$261,435
+HK$13,091/mo
Deposit HK$5.16M · loan HK$46.44M · min. income ≈ HK$496,688/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,193,001 · Scale 2, in force from 26 Feb 2026)